Systems and methods for utilizing vehicle connectivity in association with payment transactions

• US 10,424,007 B2
• Filed: 05/11/2018
• Issued: 09/24/2019
• Est. Priority Date: 12/07/2015
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Friedman, Michael J., Lee, Charles Sangwon
• Primary Examiner(s): Shui, Ming
• Application Number:
  US15/977,660
• Publication Number:
  US 20180260882A1
• Time in Patent Office: 501 Days
• Field of Search: 705 261- 272
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders

Abstract

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Claims

1. A computer-implemented method for utilizing vehicle connectivity to facilitate payment account transactions, the method comprising:

in response to a detected interest of a consumer, requesting, by a computing device, sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer;

creating an order object for a product selected from the sales data;

appending, by the computing device, a vehicle signature, for the vehicle, to the order object, the vehicle signature based on a condition of the vehicle and/or based on a vehicle identifier modified by an operator, whereby the vehicle signature is distinct from the vehicle identifier;

matching, by the computing device, the order object to a transaction object for the selected product based on the vehicle signature;

in response to the matching, transmitting, by the computing device, a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product; and

in connection with the payment account transaction at the at least one merchant, causing, by the computing device, at least one of a trunk lid, a back gate and a door of the vehicle to be opened and/or unlocked, thereby permitting the at least one merchant to place the selected product in the vehicle.

2. The computer-implemented method of claim 1, further comprising detecting, by the vehicle, the interest of the consumer in at least one product based on at least one of a transaction history associated with the consumer and a location of the vehicle.

3. The computer-implemented method of claim 1, further comprising passing, by the computing device, the sales data from the at least one merchant to the vehicle, such that the vehicle is able to display at least a portion of the sales data to the consumer;

and

receiving, at the computing device, a selection of the product prior to creating an order object for the selected product.

4. The computer-implemented method of claim 1, wherein creating the order object includes appending at least a portion of the sales data associated with the selected product to the order object.

5. The computer-implemented method of claim 1, further comprising requesting, by the computing device, the vehicle signature from the vehicle;

and

receiving, by the computing device, the vehicle signature from the vehicle prior to appending the vehicle signature to the order object.

6. The computer-implemented method of claim 5, wherein the vehicle signature is based on the condition of the vehicle modified by a second operator.

7. The computer-implemented method of claim 5, wherein the vehicle signature includes the vehicle identifier modified by the operator, the vehicle identifier including a license plate number and/or a vehicle identification number (VIN) of the vehicle.

8. The computer-implemented method of claim 5, further comprising transmitting, by the vehicle, the vehicle signature to the computing device in response to the request for the vehicle signature by the computing device.

9. The computer-implemented method of claim 1, wherein the vehicle includes the computing device;

and

further comprising;

displaying at least a portion of the sales data to the consumer; and

generating, by the computing device, the vehicle signature for the vehicle.

10. The computer-implemented method of claim 1, further comprising:

compiling the transaction object for the selected product;

requesting the vehicle signature from the vehicle; and

appending the vehicle signature for the vehicle to the order object.

11. A system for facilitating payment account transactions, through vehicle connectivity, the system comprising:

at least one server for communicating with at least one vehicle;

wherein the at least one server includes at least one decision engine, which configures the at least one server to;

identify at least one merchant;

request sales data from the at least one merchant for a product of interest to a consumer;

receive and pass the sales data from the at least one merchant to the at least one vehicle;

create an order object for the product, in response to a user input from the at least one vehicle; and

request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the order object;

wherein the at least one server further includes a payment engine, which configures the at least one server to;

create a transaction object for a transaction for the product to a payment account associated with the consumer; and

request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the transaction object;

wherein the at least one decision engine further configures the at least one server to transmit a purchase order to the at least one merchant in response to the vehicle signature in the order object matching the vehicle signature in the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product, and wherein the at least one decision engine further configures the at least one server to permit access to the at least one vehicle for delivery of the selected product after authorization of the payment account transaction for the selected product.

12. The system of claim 11, wherein the vehicle signature includes a condition of the at least one vehicle.

13. The system of claim 11, wherein, to permit access to the at least one vehicle, the at least one decision engine configures the at least one server to cause at least one of a trunk lid, a back gate and a door of the at least one vehicle to be opened and/or unlocked in response to a one-time token from the at least one merchant.

14. The system of claim 13, wherein the one-time token is based on the vehicle signature for said vehicle.

15. The system of claim 11, further comprising a non-transitory computer readable storage media including executable instructions to enable communication between the at least one server and the at least one vehicle, which, when executed by at least one processor of the at least one vehicle, cause the at least one processor to:

generate the vehicle signature;

transmit the vehicle signature to the at least one server in response to the at least one server requesting the vehicle signature; and

transmit the vehicle signature to the at least one server in response to the at least one server requesting the vehicle signature.

16. The system of claim 15, wherein the executable instructions, when executed by the at least one processor of the at least one vehicle, further cause the at least one processor to:

receive the sales data from the at least one server; and

display at least a portion of the sales data to the consumer, at the at least one vehicle, thereby permitting the consumer to select the product of interest for purchase.

17. The system of claim 11, further comprising a payment network including the at least one server;

and

wherein the payment engine is associated with a network-based wallet application.